diversification and cash flowSan Jose, CA has been very appreciation heavy... and i'm not opposed to keeping some property here, though the multi-family / commercial real estate has very low cap rates, and low growth from what i'm seeing.

Everything I've read shows PA peaked in 2022 and has dropped 5-6% since then. 

Rates fall off a cliff if you go 25% down. 

Quote from @Pete Galyon: Quote from @Collin Hays: I've been investing in the Gatlinburg market for 20 years, and I wouldn't rate it anything but so-so right now.

Don't get me started with costs you're not anticipating.Once you drop this unrealistic "dream", and focus on what's in front of you.

This is not normal in a rising interest rate environment. 

If you are concerned it will be too hard to find a renter, lower the price and rent it for three months, then place a new tenant at the higher rate after winter.

While not impossible, you'll be paying a much higher interest rate for the loan than with 20%+ down and also you're likely paying some points or splitting the profit if for resale. 

Rates may drop, but they also may not.

I'll see if I can use some of this because I get almost no Airbnb bookings unless I drop price way low.